This company uses multiple names, none of which I am sure are real. They call and threaten civil litigation on "zombie" credit accounts. I want to know how they are still in business for violating every federal law protecting consumers. I went through a rough time many many years ago and all my accounts went to collections/write-off. I have since gotten back on my feet and pay all my bills on time. They started calling me on an account that I closed 10 years ago and threaten to take me to civil court for fraud. It seems like they are... read full review »